Got my DELETE letter from MIDLAND!!!!!!

Cheryla18 · ‎05-14-2013

Holy COW!!!!! I can't believe it......I just got my....We will delete from all 3 CB. It was the Imagine Mastercard....the amount owed they show is $1,141.00 Midland shows the date opened as 6/26/2008....so im not sure if that is the date they purchased it or if that is DOD....so going with the 2008 date it will be 5 years old next month. This ROCKS!!! The only sad part is that I think it was only reporting to TU...BUT a WIN is a WIN!!!! I LOVE....LOVE....LOVE THIS FORUM!!! YOU ALL ROCK!!!!!

I sent a simple letter along with a few pages of the FTC Ruling ...I highlighted a few key phrases.....and sent it to the address on my CR...Certified mail of course. Yes the SOL had expired.....

Now I have 1 more acct with them that is listed as a Judgement.......Let's see a Victory for that 1 too. But my concern is the letter I mailed them listed both accts.....I will wait a week or so and see if i get a response for the other acct...because this letter only addressed 1 out of the 2!!!!

Cheryl

Current as of 3/21/18 EQ 609 TU 619 EX 628
Discharge 7/2016 Ch 7 BK

Shaken101 · ‎05-14-2013

That's awesome, Congrats!

DaBears · ‎05-14-2013

Congrats Cheryla!!!

Credit Scoring 101
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Shyone44 · ‎05-14-2013

Congrats!!!

Last app 3/21/13
EQ 658 (5/28/13)
TU 608 (5/1/13)

tdrjustus3 · ‎05-14-2013

Please keep us posted. My hubby has a judgement on his CR

No apps until 8/2014
March 2013 Starting FICO Score: EQ: 584 TU: 564 EX: ??
August 2013 Current FICO Scores: EQ:664 EX:684 Walmart TU: 666

MaRain · ‎05-14-2013

Congrats!

Back in the garden until 10/2015.

Starting Score: EQ 714, EX 658, TU 691 (pulled by mortgage lender on 10/7/14)
Current Score: EQ 656, EX 660, TU 660 (FAKOS pulled on 3/26/15)
Goal Score: EQ 760, EX 700, TU 760

Take the myFICO Fitness Challenge

bahbahd · ‎05-14-2013

The FTC ruling? Please expand on this.

Cheryla18 · ‎05-15-2013

I will try to find the link to the FTC ruling but basically there were certain CC's that we being unethical in the practices....from what I understand and The Federal Trade Commission sued them....2 of the cards I had .....1 was Aspire Visa ....and 1 was Tribute...they are a few others listed in the law suit...

If I am wrong on any of this ....please feel free to correct me...I just learned about it last month.

Cheryl

Current as of 3/21/18 EQ 609 TU 619 EX 628
Discharge 7/2016 Ch 7 BK

MaRain · ‎05-15-2013

To bahbahd,

Here is the link where I found a lot of info on it: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Midland-Deleted/m-p/1847993/highlight/true#M2...

Back in the garden until 10/2015.

Starting Score: EQ 714, EX 658, TU 691 (pulled by mortgage lender on 10/7/14)
Current Score: EQ 656, EX 660, TU 660 (FAKOS pulled on 3/26/15)
Goal Score: EQ 760, EX 700, TU 760

Take the myFICO Fitness Challenge

tammyjk · ‎06-15-2013

I have my letter typed and ready to go.......right after I close on my mortgage. I used the FTC ruling to get around paying the collection before my mortgage closes and it was all good. So right after closing, I will be sending it. Mine is also 6 years old so nothing to lose at this point.